Pastry business

Hasmawati

Desa Tino Kecamatan Tarowang Kabupaten Jeneponto, Indonesia

100% repaid

Entrepreneur

Name

Hasmawati

Member since

January 2015

On-time repayments

108 installments  •  34%

About Me

Successful greeting Zidhisa .__ Hi, My name Hasmawati age of 37 years, when I was pregnant the second child and my effort every day to work to help her husband sort and open the kapok fruit to clean the seeds and then packed into sacks, cotton is similar to cotton but usability kapok only used to make mattresses of various sizes, my husband worked as a collector kapok fruit in the orchard farmers who have purchased kapuknya later under the home to be processed. I only sell cotton raw materials to customers who specifically makes mattresses and pillows, and during these orders from outside the area served. In addition I also have a kapok business skills in making pastries for store orders. The cake I made then inserted into the jar, this cake I made at night because during the day to help her husband work kapok. I made the cake is packed into jars and produce as much as 3 jar and I only make a maximum of 30 jars / month due to limited capital and labor. While cotton in a month produce 200kg / month. Even then, depending on the availability of raw materials from farmers. I send customer orders kapok if it reaches 5ton for one time shipping. The purpose of the filing of this loan to buy ingredients pastries for faster turnaround capital back. My usual kind of cake is a cake bakpia production, bagea, and baruasa. And cake - a cake like this are very interested in the community in various circles.

My Business

I apply for working capital loans for the purpose of procuring cotton, but because the loan is still limited, most of my priority first is the procurement of materials - materials making cakes as pastries faster turnover of capital compared with cotton which requires approximately 3 months before they are sold kepelanggan. With income during this time I can then I dare apply for a loan and hope that these loans can provide change and improve business. Income I get from the sale of cotton for one-time delivery of 5 tons is the price of 1kg @ $ 0.19X5000kg = $ 950 this result is obtained within a period of 3-4 months, while for cookies in a jar for $ 3.01X3 jar = $ 9.03, if 30 jar in a month, the sales price of $ 3.01X30 = $ 90.3. While production costs for pastries is approximately $ 43 so a net profit of $ 47.3 a month, or about $ 11.8 / week. I need a loan of $ 100 for the first step, but if my efforts have been successful course I expect to be even greater. And most can be used for capital-making raw materials, namely cotton mattress.

Loan Proposal

If I receive a loan of $ 100 it will help me as a first step in improve my income potential. With it I will purchase pastry supplies such as: Flour price $ 15.84, sago flour 25 kg price of $ 14.81, chicken eggs 10 rack price $ 30.10, Butter 5kg price of $ 5.94, sugar 20kg price of $ 17.43, and the rest will be for cocoa powder, vanilla, strawberries. With these staples I hope to increase my rate of production and sales.

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About Me

Salam sukses Zidhisa.
Hi, Nama saya Hasmawati umur 37 tahun, saat ini saya sedang hamil anak kedua dan usaha saya tiap hari bekerja membantu suami menyortir dan membuka buah kapuk untuk dibersihkan bijinya dan kemudian dikemas kedalam karung, kapuk hampir sama dengan kapas tapi kegunaan kapuk hanya dipakai untuk membuat kasur berbagai ukuran, suami saya bekerja sebagai pengumpul buah kapuk di kebun petani yang sudah dibeli kapuknya kemudian dibawah kerumah untuk diproses. Saya hanya menjual kapuk bahan baku kepada pelanggan yang khusus membuat kasur dan bantal dan selama ini orderan dari luar daerah saya layani. Selain usaha kapuk saya juga punya keterampilan dalam membuat kue kering untuk pesanan toko. Kue yang saya buat kemudian dimasukkan kedalam toples, kue ini saya buat pada waktu malam hari saja karena siang hari membantu suami kerja kapuk. Kue yang saya buat dikemas kedalam toples dan menghasilkan sebanyak 3 toples dan saya hanya membuat maksimal 30 toples/bulan karena masih terbatas modal dan tenaga kerja. Sedangkan kapuk dalam sebulan menghasilkan 200kg/bulan. Itupun tergantung ketersediaan bahan baku dari petani. Saya baru mengirim orderan pelanggan kapuk jika sudah mencapai 5ton untuk satu kali kirim. Adapun tujuan dari pengajuan pinjaman ini untuk membeli bahan-bahan kue kering karena perputaran modalnya lebih cepat kembali. Jenis kue yang biasa saya produksi yaitu kue bakpia, bagea, dan baruasa. Dan kue - kue seperti ini sangat diminati masyarakat berbagai kalangan.

My Business

Saya mengajukan pinjaman modal usaha ini untuk keperluan pengadaan kapuk, namun karena pinjamannya masih terbatas maka yang paling saya utamakan dulu adalah pengadaan bahan - bahan pembuatan kue karena kue kering ini lebih cepat perputaran modalnya dibanding dengan kapuk yang membutuhkan waktu kurang lebih 3 bulan baru bisa dijual kepelanggan. Dengan penghasilan yang selama ini saya dapat maka saya berani mengajukan pinjaman dan berharap semoga pinjaman ini bisa memberikan perubahan dan meningkatkan usaha. Pendapatan yang saya dapat dari hasil penjualan kapuk untuk satu kali pengiriman sebanyak 5 ton adalah harga 1kg @$0.19X5000kg =$950 hasil ini didapat dalam jangka waktu 3 - 4 bulan, sedangkan untuk kue kering dalam satu toples harga $3.01X3 toples=$9.03, jika 30 toples dalam sebulan maka harga penjualan sebesar$3.01X30=$90.3. Sementara biaya produksi untuk kue kering ini kurang lebih $43 jadi keuntungan bersih $47.3 sebulan atau sekitar $11.8/minggu. Pinjaman yang saya butuhkan sebesar $100 untuk langkah awal namun jika usaha saya sudah berhasil tentunya saya mengharap bisa lebih besar lagi. Dan sebagian bisa dipakai untuk modal bahan baku pembuatan kasur yaitu kapuk.

Loan Proposal

Pinjaman yang akan saya terima ini sebesar $100 akan saya pergunankan dengan baik untuk keperluan tambahan modal usaha. Adapun yang akan saya beli dari pinjaman ini adalah perlengkapan bahan - bahan kue seperti : Tepung Terigu 1 zat harga $15.84, tepung sagu 25 kg harga $14.81 , Telur ayam 10 rak harga $30.10 , Mentega 5kg harga $5.94, gula pasir 20kg harga $17.43, sisanya seperti bubuk coklat, vanili, strawbery. Itulah bahan pokok pembuatan kue kering yang saya produksi, semoga dengan adanya tambahan bahan ini saya mampu menambah jumlah produksi kue dan sudah pasti menambah langganan toko untuk tempat penitipan.

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Loan Info

Project Type

Classic Loan

Disbursed amount

$100.00

Date disbursed

Jan 25, 2015

Repayment status

On Time

Projected term

4 months

Lenders

O

Oscart

Edmonton, Canada

T

tracilee

Wellington, New Zealand

M

mitchmk84

United States

R

RosieWatrs

United States

C

cathyu2crazy

United States

P

Pharmakon33

United States

KM

Kirsty M

United Kingdom

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  • Rachmat    May 16, 2016

    Hello mother hasmawati, whether the mother could provide an explanation why your installment payments cease, so that funders understand your current condition .____ Thanks.

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  • Simon Lehmann    Dec 9, 2015

    Hi Hasmawati

    Can you please provide us with an update regarding your current business situation?

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  • Elise E    Dec 8, 2015

    Hello, How is everything going? Are you doing alright?

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  • Jon    Nov 10, 2015

    Good luck with your new loan.... hoping it assists you to progress.

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  • Hasmawati    Nov 9, 2015

    Thanks to the funding that has been granted a loan to me, hopefully this loan can provide better benefits than the previous loan.

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  • Surya Setiyaputra    Oct 28, 2015

    Paying off loan in advance. Great borrower!

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    • Hasmawati    Oct 31, 2015

      Thank you sir Solar Setiyaputra .__ My efforts during borrowed from Zidhisa greatly help the development efforts in governance over the years. I hope these loans still provide benefits, especially in terms of additional capital and increase earnings. __Send regards for success

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  • Hasmawati    Oct 28, 2015

    Thank funders, I have berhas repay the loan that had been given to me. __Pinjaman Of the funding is very significant in improving the business that I manage so far

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  • Hasmawati    Oct 24, 2015

    Hi. Pendana__Usaha I manage during running smoothly and has undergone a change in my life. My income also is tolerable from the sale of cotton and pastries, although still relatively small but has given results yabg quite useful, in fact a lot of demand for cotton, but I still constrained in procuring stock in large quantities, but I believe the future I can more meningkatkankan longer amount of stock of raw material is cotton .__ your success all may we all always have success in business.

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  • Hasmawati    Sep 30, 2015

    Thanks to the funding, the loans that I get for this very helpful in improving my business. Hopefully with this loan businesses more smoothly and constantly growing, I believe funders have hope that what has been given to me in the form of a loan can change your life and continue to be successful in its efforts. Thanks hopefully on my next credit loans can still maintain and continue to maintain the confidence of funders to me.

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  • Hasmawati    Sep 17, 2015

    Hi funders .____ During this time I was very busy to provide information on an ongoing basis, as well as internet networks rather problematic. ____Tentang My efforts remains smooth and benefit increases little by little, hopefully the future is increasing again, I am sure will get the success of loan capital for which I managed properly.

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  • Hasmawati    May 27, 2015

    Mr. Paul Graham, Terima kasih atas kepercayaan yang diberikan kepada saya semoga pinjaman ini memberikan manfaat bagi kelangsungan usaha saya. Kepada para pendana yang juga telah memberikan pinjamannya pada pinjaman pertama semoga senantiasa mendapat kesuksesan dalam usahanya juga, saya sangat senang masih mendapat kepercayaan dari para pendana sehingga pinjaman kedua saya ini sudah terdanai 100%. Saya bersyukur karena pinjaman yang betul betul saya butuhkan untuk modal usaha sangat membantu.
    Kepada Tim Zidhisa terima kasih telah membantu saya selama ini.
    Perlu saya informasikan bahwa nomor indosat Dompetku sudah diupgrade ke premium juga. Nomor saya 085825372087. Semoga pinjaman cepat saya terima.
    Salam sukses selalu

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  • Hasmawati    May 25, 2015

    Thanks to all the funders who have provided working capital loans , loans that I have used to provide business improvement. I filed a second loan so that I can continue to improve my pastries business. My customer base is growing . Once again thank you very much for the last loan and I hope that my repayment of it will give you confidence to loan to me again. May you be blessed for helping me succeed.

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  • Hasmawati    May 19, 2015

    To all lenders, sorry it has taken me so long to comment. I have had my mobile internet network problems that won't allow me to open a standard web page.
    I inform you that I remain focused on my duty as a borrower, to keep the kapok and pastry businesses running smoothly. I am grateful to the loan capital that is funding this effort and it has given a pretty good advantage as well. My commitment is to maintain the trust that has been given to me. I hope to continue to be a member Zidhisa as a good and trustworthy borrower. I borrowed because I knew I could repay the loan by developing my business gradually. I am sure the small business capital used in the business will gradually become larger.
    Thank you for the lenders for the help of this loan.

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  • Hasmawati    Feb 3, 2015

    I've made a payment of IDR 202,182 , until now I had not entered the installment payment. Thank you.

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